Force Shane
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Fsa Forces Rules Change on Personal Loans Payment Protection
New rules imposed by the Financial Services Authority (FSA) regarding the way that personal loans are sold online are good news for consumers. Prior to the FSA intervention payment protection, cover was automatically included with most personal loans bought on the internet. Now that the automatic inclusion has been removed, borrowers could find that their personal loans are cheaper.
The FSA has declared the practice of automatically adding payment protection insurance cover premiums when granting loans as ‘unfair’ and stated that it must stop. Shane Craig, the managing director of paymentcare.co.uk, the independent payment protection provider, enthused: “This is excellent news for consumers and another step in the right direction towards ensuring they receive the fair treatment they expect and deserve.”
According to the Association of British Insurers, payment protection insurance enables borrowers who get into repayment difficulties because of unexpected unemployment, accident or sickness to keep up their repayments and thus avoid defaulting on their loan. Cover under payment protection can be arranged as a stand alone policy after a loan has been granted, but it is more usual for it to be taken out in conjunction with the granting of the loan.
However, despite the obvious benefits to anyone who finds themselves in the unfortunate circumstance of being made redundant, becoming sick or being involved in an accident thus reducing their income, it may not be appropriate or applicable to everyone. Some lenders have been criticised for pushing the payment protection product to people who will not qualify for any payouts due to their existing circumstances when taking out their loan. The underlying agenda, according to those critics is that the lenders are more interested in maximising their commission from the insurer than in the welfare of their customers.
To qualify for payment protection insurance cover you must be aged 18 – 65, employed for at least 16 hours per week, or be on a long-term contract, or if self-employed then it must have been for a significant amount of time. However, what is sometimes not adequately explained is that if you are made redundant within 120 days of taking out the policy, or if you fall ill with an existing medical condition, or if you are involved in an accident because you have imbibed alcohol or taken drugs then your cover will be invalid.
Payment protection cover is even more of an issue if it relates to personal secured loans. Any secured loan involves your house being put up as security, so the risk in not keeping up repayments on that type of loan could result in the loss of your home. While you must seriously consider how you will keep up repayments on any personal loans that you have taken out if you are made redundant, fall ill or are involved in an accident, your problems would only be compounded if you had been forced to pay premiums for insurance cover that later proves to be invalid.
The Association of British Insurers advise that anyone thinking of buying insurance should get independent advice and ensure that the product is right for them, and that includes payment protection insurance for personal loans.
About the Author
Adam Singleton is an online freelance journalist from Scotland. His hobbies include tavelling and hiking.
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Shane - $7.99 The simple story of a Wyoming range war is elevated to near-mythical status in producer/director George Stevens' Western classic Shane. Alan Ladd plays the title character, a mysterious drifter who rides into a tiny homesteading community and accepts the hospitality of a farming family. Patriarch Joe Starrett (Van Heflin) is impressed by the way Shane handles himself when facing down the hostile minions of land baron Emile Meyer, though he has trouble placing his complete trust in the stranger, as his Marion (Jean Arthur) is attracted to Shane in spite of herself, and his son Joey (Brandon De Wilde) flat-out idolizes Shane. When Meyer is unable to drive off the homesteaders by sheer brute strength, he engages the services of black-clad, wholly evil hired gun Jack Wilson (Jack Palance). The moment that Wilson shows he means business by shooting down hotheaded farmer Frank Torrey (Elisha Cook Jr.) is the film's most memorable scene: after years of becoming accustomed to carefully choreographed movie death scenes, the suddenness with which Torrey's life is snuffed out -- and the force with which he falls to the ground -- are startling. Shane knows that a showdown with Wilson is inevitable; he also knows that, unintentionally, he has become a disruptive element in the Starrett family. The manner in which he handles both these problems segues into the now-legendary "Come back, Shane" finale. Cinematographer Loyal Griggs imbues this no-frills tale with the outer trappings of an epic, forever framing the action in relation to the unspoiled land surrounding it. A.B. Guthrie Jr.'s screenplay, adapted from the Jack Schaefer novel, avoids the standard good guy/bad guy clich?s: both homesteaders and cattlemen are shown as three-dimensional human beings, flaws and all, and even ostensible villain Emile Meyer comes off reasonable and logical when elucidating his dislike of the "newcomers" who threaten to divest him of his wide open spaces. ~ Hal Erickson, Rovi |
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Shane $4.99 Shane |
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Shane (Film) $60.54 High Quality Content by WIKIPEDIA articles Shane is a 1953 American Western film produced and directed by George Stevens from a screenplay by A.B. Guthrie Jr., based on the 1949 novel of the same name by Jack Schaefer. The film stars Alan Ladd, Jean Arthur and Van Heflin, and features Brandon De Wilde, Elisha Cook Jr., Jack Palance and Ben Johnson. The cinematography was by Loyal Griggs, with a music score by Victor Young. A mysterious stranger who calls himself Shane (Alan Ladd) drifts into an isolated western valley. It soon becomes apparent that he is a gunslinger, and he finds himself drawn into a conflict between simple homesteader Joe Starrett (Van Heflin) and powerful cattle baron Rufus Ryker (Emile Meyer), who wants to force Starrett and every other homesteader in the valley off the land. Shane accepts a job as a farmhand, but finds Starretts young son Joey (Brandon DeWilde) drawn to him for his strength and skill with a gun. Shane himself is uncomfortably drawn to Starretts wholesomely charming wife, Marian (Jean Arthur). Author: Miller, Frederic P./ Vandome, Agnes F./ McBrewster, John Binding Type: Paperback Number of Pages: 68 Publication Date: 2010/08/11 Language: English Dimensions: 5.98 x 9.01 x 0.16 inches |
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Force Heretic I By Williams, Sean/ Dix, Shane $13.25 Determined to contain the savage Yuuzhan Vong and bring peace to the galaxy, Luke Skywalker of the new Galactic Alliance searches for Zonama Sekot, a legendary, sentient planet that decades ago had repelled an invasion of the Yuuzhan Vong, hoping the secrets of the longlost world will turn the tide in devastating interstellar war. Original. Author: Williams, Sean/ Dix, Shane Series Title: STAR WARS: THE NEW JEDI ORDER Subtitle: Remnant Publication Date: 2003/01/01 Number of Pages: 413 Binding Type: Paperback Language: English Depth: 1.25 Width: 4.25 Height: 6.75 |
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Shane McAnally $7.49 Shane McAnally |
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Force Heretic III Reunion By Williams, Sean/ Dix, Shane $13.25 After finding the sentient planet of Zonama Sekot, Luke Skywalker and his companions are confronted with a new dilemma when the living world refuses to follow them back to a galaxy wracked by war and misery, while the Yuuzhan Vong launch a vicious new campaign against the new alliance, leaving Han and Leia facing a perilous battle against hopeless odds. Original. Author: Williams, Sean/ Dix, Shane Series Title: Star Wars the New Jedi Order Publication Date: 2003/07/01 Number of Pages: 390 Binding Type: Paperback Language: English Depth: 1.25 Width: 4.00 Height: 6.75 |
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Shane Carwin $34.99 Shane Carwin - Stand Up |
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Shane Battier $39.99 Shane Battier - Photo |
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Shane Victorino $99.99 Shane Victorino - Wall Decal |
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Shane Doan $9.99 Shane Doan - Photo |
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Shane Warne $19.99 Shane Warne - Photo |
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Shane West $7.99 Shane West - Photo |